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Next make your home less of a target for burglars. Install motion - sensitive lighting and trim all bushes away from windows so that burglars have nowhere to hide. Make certain that all exterior doors have a deadbolt lock and that all windows have a working lock.

Water damage caused by broken water lines is the biggest reason for homeowners to file claims against their homeowner ' s insurance, so upgrading your plumbing and / or electrical systems can save you quite a bit each month - but talk to your agent about this first and make sure the savings will be worthwhile.

Installing a 24 / 7 home security system can save you around 20 % a month on your homeowner ' s insurance, but talk to your agent about the system you plan to purchase before you make a commitment as not all systems will give you the full discount.

If you have a home - based business it might be possible to write off all or a portion of your home protection system on your taxes, giving you a double savings.